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Asset Allocations in Age-Based Portfolios - Advisor

Posted: 2014-08-18

Asset Allocations in Age-Based Portfolios - Advisor

We have compiled the information below showing the various asset allocations in selected age-based portfolios of adviser-sold 529 plans. (Similar information relating to direct-sold 529 plans is also available.) Our selection is limited to portfolios for beneficiaries age 17 and older. The purpose of our study was to compare how 529 plans allocate among stocks, bonds, and money market (or similar) investments as the beneficiary gets close to college age or is in college. In addition to showing the asset allocations, the table shows the investment performance of each portfolio for the one- and three-year periods ended June 30, 2014 ("NA" means the portfolio was not in existence for the full measurement period).

This data was compiled August 15, 2014. We will post corrected data as any errors become known to us.

Investment Allocation Annualized Return at June 30, 2014 (%)
Stock Bonds Cash/MM One-Year Three-Year
Alabama: Aggressive
Aggressive Portfolio Ages 17-20 10.99 6.94
Aggressive Portfolio Ages 21+ 6.64 4.76
Alabama: Moderate
Moderate Portfolio Ages 17-20 6.64 4.76
Moderate Portfolio Ages 21+ 0.67 1.01
Alabama: Conservative
Conservative Portfolio Ages 17-20 0.67 1.01
Conservative Portfolio Ages 21+ 0.05 0.08
Alaska John Hancock
Portfolio 2013-2016 10.00 6.67
College Portfolio 7.69 4.77
Arizona InvestEd
Ages 16+ 12.33 8.15
Arkansas iShares
2015 College Portfolio 7.27 6.46
College Portfolio (0.11) (0.18)
Colorado Scholars Choice
Ages 16-18, 1-3 Yrs to Enrollment 6.84 4.96
Ages 19+, 0-1 Yrs to Enrollment 1.09 0.51
Connecticut
Ages 16-17 8.95 5.96
Age 18+ 5.22 3.24
District of Columbia
Ages 17+ 5.69 4.70
Illinois Bright Directions: Aggressive
Ages 17-20 10.81 6.65
Ages 21+ 5.64 3.78
Illinois Bright Directions: Growth
Ages 17-20 5.64 3.78
Ages 21+ 2.79 1.94
Illinois Bright Directions: Balanced
Ages 17-20 2.79 1.94
Ages 21+ 0.26 0.34
Illinois Bright Start Advisor
Ages 16-17 8.09 4.98
Ages 18+ 3.15 1.98
Indiana
College Portfolio 4.21 2.72
Iowa Advisor
Age 16-17 Option 8.64 n/a
Age 18+ Option 4.47 n/a
Kansas: Aggressive
Ages 15-17 13.11 7.61
Ages 18+ 1.48 0.89
Kansas: Moderate
Ages 15-17 8.22 4.85
Ages 18+ 1.48 0.89
Kansas: Conservative
Ages 15-17 8.22 4.85
Ages 18+ 1.48 0.89
Maine: Franklin Templeton
Ages 17-20 8.67 4.90
Ages 21+ 3.49 2.53
Maine: MFS
Ages 16-17 10.46 7.25
Ages 18+ 6.58 4.93
Maine: Allianz
Ages 17-18 6.09 4.18
Ages 19+ 4.58 3.41
Maine: BlackRock
Ages 17-19 7.78 5.17
Ages 20+ 2.19 1.61
Maine: iShares
Ages 17-19 n/a n/a
Ages 20+ n/a n/a
Michigan
Ages 17-18 5.19 3.65
Ages 19+ 4.06 3.27
Missouri Advisor*
Nebraska NEST: Aggressive
Ages 15-18 12.19 7.00
Ages 19+ 7.77 4.82
Nebraska NEST: Growth
Ages 15-18 7.76 4.85
Ages 19+ 3.07 1.90
Nebraska NEST: Index
Ages 15-18 2.71 1.62
Ages 19+ 1.19 0.63
Nebraska NEST: Conservative
Ages 15-18 1.47 0.79
Ages 19+ 0.30 0.10
Nebraska State Farm
1-3 Years to College 10.39 6.25
College Now 3.66 2.47
Nevada Putnam: Conservative
Ages 18 3.29 2.38
Ages 21+ 1.38 0.86
Nevada Putnam: Moderate
Ages 18 8.68 6.00
Ages 21+ 4.94 3.25
Nevada Putnam: Aggressive
Ages 18 11.40 7.40
Ages 21+ 7.72 5.02
New Hampshire Fidelity
Portfolio 2013 6.61 3.87
College Portfolio 6.60 3.79
New Jersey Franklin Templeton: Growth
Ages 17+ 9.43 5.03
New Jersey Franklin Templeton: Conservative
Ages 17+ 1.72 0.43
New Jersey Franklin Templeton: Moderate
Ages 17+ 4.27 2.63
New Mexico Scholars Edge
Ages 15-17 6.96 4.60
Ages 18+ 4.66 3.27
New York's 529 Advisor-Guided
Conservative (15-17 Years) 10.16 n/a
College (18 and over) 5.62 n/a
Ohio BlackRock: Aggressive
Age 17+ 12.63 7.79
Ohio BlackRock: Moderate
Age 17+ 7.26 4.40
Ohio BlackRock: Conservative
Age 17+ 4.15 2.40
Oklahoma: Dream
17-18 Years 5.22 3.12
19 and over 4.07 3.00
Oregon MFS
Ages 15-18 10.89 7.18
Ages 19+ 1.46 1.48
Rhode Island AllianceBernstein:
Aggressive Growth
Born 1996-1998 9.43 4.14
Born 1993-1995 8.92 4.04
Born 1990-1992 8.98 4.20
Born 1987-1989 8.97 4.61
Born 1984-1986 8.93 4.80
Born Pre-1984 8.96 4.15
Rhode Island AllianceBernstein:
Moderate Growth
Born 1996-1998 7.09 2.75
Born 1993-1995 6.44 2.41
Born 1990-1992 6.47 2.53
Born 1987-1989 6.44 2.71
Born 1984-1986 6.47 2.97
Born Pre-1984 6.52 2.60
Rhode Island AllianceBernstein:
Conservative Growth
Born 1996-1998 6.30 n/a
Born Pre-1996 6.26 n/a
CBf Morningstar Index
Born Pre-1999 n/a n/a
South Carolina Aggressive
Ages 16-17 8.26 5.17
Ages 18+ 4.47 2.98
South Carolina Moderate
Ages 16-17 4.47 2.98
Ages 18+ 1.11 n/a
South Carolina Conservative
Ages 16+ 1.11 n/a
South Dakota Allianz
Ages 15-17 5.48 4.03
Ages 18+ 3.93 3.22
Texas Lonestar
Ages 15-17 7.58 4.63
Ages 18+ 3.49 2.35
Virginia CollegeAmerica
American Funds College 2015 Fund 4.33 n/a
American Funds College Enrollment Fund 2.14 n/a
West Virginia Hartford
Ages 16-17 6.62 4.49
Ages 18+ 3.72 3.11
Wisconsin tomorrows scholar
Age 17 8.60 n/a
Age 18 5.89 n/a


note: *No age-based options

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